Electronic payment method and system

The embodiment of the invention discloses an electronic payment method and an electronic payment system. The method comprises the following steps: building a payment account, receiving a digital secret key pair of the account, and digitally signing on items of the account for a special fund; decrypting a received payment instruction data packet and obtaining the digital signature of the payment instruction data packet and the basic information of the special fund; authenticating the validity of the digital signature and analyzing the basic information of the special fund when the authentication is successful; and authenticating the effectiveness for the basic information of the special fund according to the payment instruction information of the digital signature, and paying the amount of money corresponding to the account in the basic information of the special fund to a fund receiving account after the authentication is successful. Therefore, the electronic payment for the account of the special fund is imp